Gulshan Garg
Chief Digital Officer (CDO) Head of Business Transformation at Spring EQ LLC- Claim this Profile
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Bio
Ram Sen
I have known Gulshan for the last 13 years at Indymac Bank. He was a strong technical leader, who had great strategic insight into identifying unique opportunities to address business challenges with effective technology solutions, and driving those initiatives. He built the IT team at Indymac from the ground up and provided his guidance and expertise into implementing mission critical technology systems. Gulshan had tremendous knowledge of the mortgage banking business and extended his help to everybody in the IT team in understanding the complexities of the business processes that helped them architect and build the most efficient and cost-effective systems. His ability to evaluate and leverage current and emerging technologies for appropriate business needs was also admirable. He was a well-respected CTO at Indymac. I would recommend him for an executive IT manager role in any organization.
Sanjeev Rastogi
I worked with Gulshan for about 11 years at Indymac. He is truly one of the best IT leaders I have ever worked with in my career. He is a visionary and "outside-the-box" thinker. His deep understanding of business and IT enabled him to deliver innovative solutions to solve complex business problems that resulted in improving company's bottom-line. He is a great mentor and always encouraged his team to learn the business to be more successful. I have learnt a lot from him and would welcome any opportunity working with him again in future.
Ram Sen
I have known Gulshan for the last 13 years at Indymac Bank. He was a strong technical leader, who had great strategic insight into identifying unique opportunities to address business challenges with effective technology solutions, and driving those initiatives. He built the IT team at Indymac from the ground up and provided his guidance and expertise into implementing mission critical technology systems. Gulshan had tremendous knowledge of the mortgage banking business and extended his help to everybody in the IT team in understanding the complexities of the business processes that helped them architect and build the most efficient and cost-effective systems. His ability to evaluate and leverage current and emerging technologies for appropriate business needs was also admirable. He was a well-respected CTO at Indymac. I would recommend him for an executive IT manager role in any organization.
Sanjeev Rastogi
I worked with Gulshan for about 11 years at Indymac. He is truly one of the best IT leaders I have ever worked with in my career. He is a visionary and "outside-the-box" thinker. His deep understanding of business and IT enabled him to deliver innovative solutions to solve complex business problems that resulted in improving company's bottom-line. He is a great mentor and always encouraged his team to learn the business to be more successful. I have learnt a lot from him and would welcome any opportunity working with him again in future.
Ram Sen
I have known Gulshan for the last 13 years at Indymac Bank. He was a strong technical leader, who had great strategic insight into identifying unique opportunities to address business challenges with effective technology solutions, and driving those initiatives. He built the IT team at Indymac from the ground up and provided his guidance and expertise into implementing mission critical technology systems. Gulshan had tremendous knowledge of the mortgage banking business and extended his help to everybody in the IT team in understanding the complexities of the business processes that helped them architect and build the most efficient and cost-effective systems. His ability to evaluate and leverage current and emerging technologies for appropriate business needs was also admirable. He was a well-respected CTO at Indymac. I would recommend him for an executive IT manager role in any organization.
Sanjeev Rastogi
I worked with Gulshan for about 11 years at Indymac. He is truly one of the best IT leaders I have ever worked with in my career. He is a visionary and "outside-the-box" thinker. His deep understanding of business and IT enabled him to deliver innovative solutions to solve complex business problems that resulted in improving company's bottom-line. He is a great mentor and always encouraged his team to learn the business to be more successful. I have learnt a lot from him and would welcome any opportunity working with him again in future.
Ram Sen
I have known Gulshan for the last 13 years at Indymac Bank. He was a strong technical leader, who had great strategic insight into identifying unique opportunities to address business challenges with effective technology solutions, and driving those initiatives. He built the IT team at Indymac from the ground up and provided his guidance and expertise into implementing mission critical technology systems. Gulshan had tremendous knowledge of the mortgage banking business and extended his help to everybody in the IT team in understanding the complexities of the business processes that helped them architect and build the most efficient and cost-effective systems. His ability to evaluate and leverage current and emerging technologies for appropriate business needs was also admirable. He was a well-respected CTO at Indymac. I would recommend him for an executive IT manager role in any organization.
Sanjeev Rastogi
I worked with Gulshan for about 11 years at Indymac. He is truly one of the best IT leaders I have ever worked with in my career. He is a visionary and "outside-the-box" thinker. His deep understanding of business and IT enabled him to deliver innovative solutions to solve complex business problems that resulted in improving company's bottom-line. He is a great mentor and always encouraged his team to learn the business to be more successful. I have learnt a lot from him and would welcome any opportunity working with him again in future.
Experience
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Spring EQ
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United States
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Financial Services
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200 - 300 Employee
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Chief Digital Officer (CDO) Head of Business Transformation
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2022 - Present
• Rearchitected tech ecosystem to keep up with phenomenal growth in business and improve throughput 5-10x for various operational functions. • Sponsored Self-Service Program to enable consumer customers to interact with Spring EQ 24x7x365 and delivered first two releases. • Rearchitected tech ecosystem to keep up with phenomenal growth in business and improve throughput 5-10x for various operational functions. • Sponsored Self-Service Program to enable consumer customers to interact with Spring EQ 24x7x365 and delivered first two releases.
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SVP, Digital Strategy
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2016 - 2021
• Digitized front-office functions (incubate, match and disclose) which enabled a) 23% improvement in LO productivity and b) introduction of a Home Advisor role..a hybrid of legacy customer service and LO roles. • Reengineered middle-office functions (source and validate) which enabled 20+% improvement in Underwriter and Processor productivity. • Evangelized Data-First initiative to reimagine how data is sourced, stored, cataloged and applied to enable round the clock operations. • Conceptualized, Evangelized and Delivered Automated Validation System which significantly reduced involvement of processors and underwriters, and allowed the company to harvest the 2019-21 refi boom. Show less
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Prospect Mortgage, LLC
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United States
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Financial Services
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700 & Above Employee
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Chief Information Officer
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2014 - 2015
• Transformed Data Platform using Agile methodology. Improved quality, integrity, and timeliness of data. • Implemented MSA-level pricing to enhance 800 Loan Officers’ competitiveness in their local markets. • Implemented Information Security Plan to improve security posture and mitigate regulatory risk. • Transformed Data Platform using Agile methodology. Improved quality, integrity, and timeliness of data. • Implemented MSA-level pricing to enhance 800 Loan Officers’ competitiveness in their local markets. • Implemented Information Security Plan to improve security posture and mitigate regulatory risk.
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SchoolsFirst Federal Credit Union
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United States
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Financial Services
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700 & Above Employee
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Chief Information Officer
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2011 - 2014
• Introduced Mobile Banking channel including remote deposit capability to 600,000 members. • Implemented Automated Lending… doubled automated approval rate, cross-sold 1.5 additional products and allowed customers “apply & fund” loans in less than 5 minutes. • Implemented eAlerts to alert customers of critical events in their applications and accounts. • Implemented Disaster Recovery Plan for real-time recovery and reduce reliance on external vendors. • Reengineered Check Deposit function to improve interest income and availability of funds. Show less
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Strategic Technology Consulting
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Greater Los Angeles Area
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Managing Partner
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2008 - 2011
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Indymac Bank
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Banking
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700 & Above Employee
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Chief Technology Officer and Member of the Executive Committee
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1993 - 2008
• Led company’s process and technology innovation initiatives to create a compelling value-proposition which helped the company carve out a niche in already crowded market place. Examples include web-enabled risk based pricing and automated underwriting systems, risk based processing, atomization and globalization of monolithic mortgage banking process, “go paperless”, self-service portals. • Maximized standardization and centralization of various business processes and technology infrastructure through an active/continuous value-driven dialog with heads of various business units. • Pioneered the concept of e-Commerce for the mortgage industry…a concept which helped the company weather the business downturn, garnered substantial IR and PR leverage including prestigious industry awards. • Co-sponsored company’s foray into off-shoring/out-sourcing and led-by-example in turning 50% of the process and technology team into a variable expense. Show less
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Quantitative Risk Management
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United States
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Financial Services
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100 - 200 Employee
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Senior Consultant/Product Manager
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1990 - 1993
• Infused life into a fledgling mortgage banking related trading and hedging system through re-architecture and relentless software quality assurance. • Designed and implemented pipeline fall-out and delivery based hedge optimization models. • Infused life into a fledgling mortgage banking related trading and hedging system through re-architecture and relentless software quality assurance. • Designed and implemented pipeline fall-out and delivery based hedge optimization models.
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Citi
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United States
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Financial Services
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700 & Above Employee
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Senior Consultant
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1988 - 1990
• Provided systems development and implementation consulting services to wholesale banks in Europe, Asia and North America • Provided systems development and implementation consulting services to wholesale banks in Europe, Asia and North America
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Education
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1986 - 1988
Indian Institute of Management Bangalore
MBA, Finance and Systems -
1981 - 1985
Thapar Institute of Engineering & Technology
BTech, Electronics Engineering
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